What Options Are Left When All Else Fails In Negotiation?

by Ricardo
(Stockton, CA, USA)

If a Collection Agency's refusal of credit report removal as a condition is not met, are there any consumer options left? Also, is it a legal fact that if a consumer responds to a CA reporting an account to a CRA that upon requesting verification/validation and ownership of the debt that the CA is under no obligation to provide this information despite the passage of the initial response time unbeknownst to the consumer under the Rosenthal FDCRA?

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Aug 14, 2012
What Options Are Left When All Else Fails In Negotiation?
by: DebtCollection Answers.com

The collection agency is under no obligation to agree to any condition you might want to negotiate in exchange for your paying a debt that it's trying to collect from you. Even worse, if you don't pay the debt, it may sue you for the money. So, if the collection agency won't agree to what you want, you don't have a lot of options because unless it's broken the law in some way, it has the upper hand. However, if you cannot afford to pay the debt in full, you might be able to get it to agree to let you pay it in installments and it might even agree to let you settle the debt for less than the total amount that you owe. For information about how to settle a debt, listen to this debt settlement podcast.

If you want me to answer the second part of your question, you will have to restate it because I am not clear right now exactly what you are asking. However if you believe that your legal rights may have been violated in some way by the collection agency, then I recommend that you schedule a free consultation with a consumer law attorney.

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